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Synapto vs Worldpay, line by line
Worldpay runs a huge share of UK card payments. If you're here, you're probably wondering what leaving looks like. Shorter answer than you'd think.
Before the table: how to read any comparison page.
Every provider's marketing page, including ours, shows the numbers that flatter it. The only comparison that matters is your own statement priced two ways. That's what we offer at the bottom of this page.
How Worldpay and Synapto compare
| Synapto | Worldpay | |
|---|---|---|
| Contract | Plain terms, shown before you sign | A pricing plan plus an 18-month hire agreement per terminal |
| Terminal hardware | Straightforward supply, next-day replacement | Hired per terminal; check the rental line on your bill |
| Effective rate | Reviewed against your statement, line by line | Quote-based; standard rates are not published |
| Support | A named person you can phone | Varies by plan and account size |
| Getting live | An SDK build on your developer's schedule, with an engineer on hand | Varies by product and channel |
Worldpay pricing checked against their public pricing page on 17 October 2026. Tell us if it's changed.
Worldpay suits a different size of business
If you are a large enterprise negotiating interchange-plus pricing with dedicated account management, Worldpay's scale can genuinely work in your favour. The same is true if you need acquiring across many currencies and regions under one contract: Synapto settles in GBP on UK rails.
Most UK businesses are not that, and are instead on a package they inherited, with rental lines nobody reviews and a call centre when something breaks. That is who we are for, and the way to find out which of those describes you is to put a statement in front of us.
How to compare on cost
Worldpay's standard rates are quote-based and not published, so there is no Worldpay figure to put in a worked example, and we will not guess one. Compare on effective rate, with the terminal hire counted.
Take a recent Worldpay statement and add every line on it, which can include transaction charges, a monthly service or plan fee, each terminal's hire charge, PCI charges and authorisation or chargeback fees. Divide the total by the card volume for that month. That is your effective rate, and the hire lines are often a bigger share of it than people expect.
Our card fees are 1% + 10p on UK consumer cards and 2.5% + 10p on business and premium cards, with no monthly fee, and each terminal is £20 a month. As an illustration, £30,000 a month in £25 payments, all on UK consumer cards, is 1,200 payments costing £420. With one terminal that comes to £440, an effective rate of about 1.47%.
What switching from Worldpay involves
Check the plan and each hire agreement
We read your Worldpay pricing plan and each terminal's hire agreement with you, note the end dates and any early exit charges, and say whether to move now or at renewal.
Price the whole statement
Worldpay quotes rather than publishes rates, so we take a recent statement, add every line including terminal hire, and price the same month with Synapto.
New terminals on our terms
In person, our terminals are £20 a month on a 48-month agreement you can end after 18 months. Your old hire agreement is separate, so its end date still matters.
Online checkout on our SDK
Online, your developer moves the checkout to our SDK on their own schedule, with our payments engineer on hand and your account manager running the changeover.
Asked before switching from Worldpay
Each terminal has its own hire agreement, 18 months under the Worldpay terms we checked on 17 October 2026. Ending one early may carry a charge, so check each end date. We help you time the move around them.
Worldpay quotes each business rather than publishing standard rates. The fair comparison is your own statement, every line included, priced on ours.
£20 a month each, on a 48-month agreement that you can end after 18 months. Card fees are 1% + 10p on UK consumer cards and 2.5% + 10p on business and premium cards, with no monthly fee.
Your developer moves it to our SDK on their own schedule, with our payments engineer answering payments questions. Customers pay the same way they do now. In person, the new terminals replace the old ones on the counter.
Price your last Worldpay statement with Synapto
One call, one day, a straight answer either way.